06/09/2026
One of the fastest ways to make your loan originator nervous?
Making a major purchase before closing.
New cars.
Furniture sprees.
“Just putting it on the card for now.”
Big purchases can impact your credit, debt-to-income ratio, and overall loan approval process more than most buyers realize.
Moral of the story:
Maybe wait until after closing for the celebratory shopping trip
Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org